 I can I get a loan to pay off my credit cards? |
I would like a loan, so I can have 1 bill not 5.
I am not interrested in debt consolidation.I can pay for my bills.... |
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 What is the best way to go about paying off my credit cards? |
| I have several credit cards all maxed out. I cannot transfer anything over to another card because of my low credit score and can't get a credit card company to do that. I feel as if I have ... |
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 No credit card and never will have one.? |
| I've got great credit and have had several credit card offers and reject them all. Do you think it wise not to have one? I have saved tons of $$$ from interest by not having one. What do ... |
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 I have a debt collector calling my parents house asking for me... Anything I can do? |
My poor mother now knows i'm in serious debt and I feel terrible. Heheheh but it is kind of funny for some reason. Thanks for any answers.
Additional Details
Ah, my YA friends, if I ... |
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 How do I cancel a credit card that still has a balance? |
| I have a credit card from my bank but i really dont use it but it has a balance on it can i still cancel it and just pay it off and if so will that hurt my ... |
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 Will I lose my house? |
| If I file for bankruptcy will I lose my house?... |
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 What does "account charged off" mean on a credit report? |
| I finally got a friend of mine to take a look at her credit report since she doens't pay any of her credit card bills and hasn't for awhile. We got her report and there are some things we ... |
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 Is it better to file bankuruptcy or try to work with creditors to pay off debt? |
| my husband and i have bad credit. his are from schol loans and credit cards. mine are medical bills. his credit is in the high 400s and mine is low 500s. what is the best option or what options do i ... |
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 Do Target or Wal Mart credit cards show up on your credit report? |
| They can only be used within those stores can't they? Isn't it like a gift card with interest?... |
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 Can major credit cards do anything to you if you stop paying? |
| If say you have major debt, 30 plus grand and so, can they do anything else other than give you bad credit and harass you? Can they take your house? If so after how long will they attempt this? What ... |
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 OMG my APR is ridiculous!? |
| So, I have an acct with WAMU (Washington Mutual) and made 1 late payment a month or 2 ago. Since I have online billing, and no paper statements (and they don't offer APR online)... I called to ... |
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 What is your favorite thing to do with those annoying credit card offers that you get in the mail? |
| I like to tear up everything in the envelope and put all the other junk mail I recieved that day in the post-paid envelope and mail it back to them, believe or not they eventuality quit mailing them.... |
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 How can i get rid of student loans? |
| I dont necessarily want to get rid of them but i went to school and ended up not finishing now i owe quite a bit in student loans, i cant afford to pay 3 or 400 a month to start paying them off and ... |
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 I have about $6K in credit card debt. I was thinkin of gettin a personal loan to pay off the cards, good idea? |
| I am a 25 yr old male with a good job. I am not having trouble paying for the two cards I own, however I am thinking that the rate on my personal loan would be significantly lower than my two credit ... |
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 How can i get a loan? |
| i am kinda in a bind here. i need at least $ 7,000. i dont have any colaterial. how can i get a loan? should i just go get a credit card? i have a good job and i belive in paying off all my depths so ... |
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 How does a credit card work? |
| Im 18 and thinking about getting a credit card. I do have a job and such. Is it a good idea? I was going to get a car for around $3000. Should I use a credit card? How does it work?... |
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 What will look better on your credit report...? |
Hello all,
Here's the situation:
Several credit cards are late and now in collections.
Creditors have been calling for months now.
Currently credit report has ... |
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 Can a 18 year old wtih no credit get a auto loan? |
| I'm turning 18 soon and I want/need a car, I have a job but I dont have enough money saved up for a car I want. Is it possible for me to take out an auto loan for like 10 g's? No one will ... |
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Charlene | Having a really hard time. Finally got out of debt 2 months ago and the urge to? |
spend again is immense! Just don't want to get back in debt. Sorry not really a question but need to tell someone!! |
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goldwing
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destroy your credit cards..buy only what you want with cash...your life will change dramatically. |
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Jan S
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Well done you honey - as you say, you don't wanna get back in debt. Think back to what it was like - the worry, the hiding from people. You really don't want that all over again.
Br proud of yourself and what you've achieved. Don't go throwing it away. Consider what makes you want to spend; can you find a substitute to make you feel OK?
My dad was the last of the big spenders, on things he couldn't afford - it made my Mum's life Hell. Please don't go there hon. Good luck - be strong |
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Jaimee1987
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have a look at Martin Lewis' Money Saving Expert website. it will give you helpful tips so you can spend and save. |
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LouLou
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i know its hard sweetie, BUT you have done so well to get out of the debt already...just try to treat yourself once or twice a week, but set yourself a limit on what you spend...i try to do things which don't cost much...and i read every time i get the urge to wallop out me wallet....it is almost like an addiction, for me anyway...but keep on, and think how well you've done. |
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Judy1
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Hang in there, and resist the temptation to overspend - think about how it was when you were deep in debt and trying to get out.
Good luck, and congratulations on clearing up your finances. |
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L
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just try to remember how it felt when you were in debt. |
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pollywallydoodle
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Now you are free from debt , spend the money you have, then when you come home know that you have bought it not a piece of plastic. Spending may make you feel good but remember when you dreaded the post coming through the door when it was the bills. Dont forget how the debt felt. When you feel like this think of all the things you have and then of all of the people who dont have as much as you do,
Read the debt forums and you will see how desperate and terrible some are feeling, dont go back there.
No credit you dont need it now.
All the best |
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Sean F
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Is debt when the banks earn more than you do each month out of your wages? Ugh what a sick feeling that is. Try and curtail your urges and find free things to do instead. |
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Miss L
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Shopping can be an addiction. We often don't think of it in those terms but think of the feeling you get, that rush, while shopping. It's kind of like 'shopper's high'. Alot of people experience that at some point but it's important to keep it in perspective. Is it worth getting back into debt again? How did you feel when you were in debt? What do you need to do to avoid getting back into debt?
I would start by satisfying that urge to shop with something else. Let's say it's Saturday morning, you're ready to go to the mall. Instead of doing that, how about volunteering? Or working on a project with a friend? Or even for fun, by some fabric and make something out of it? I could go on but you get the idea!
Also, try setting up a reward system for yourself. Have someone help you with this: After about 3 months of no shopping, maybe you can reward yourself with buying only 1 or 2 things. Then try going another few months and see how that works.
Best of Luck! |
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sweetie
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i don't know about you and all people are different but i want to spend when I'm bored and find the best way not to spend is keep your self busy when the urge comes, go and see a friend or go for a walk, run, bike ride, read a book, watch a film, or get a hobby. start saving i get a buzz off watching my money grow, open savings account that gives you good interest, every time you want to spend put the money in the bank instead, your be very glad you did when its evening time and the shops are shut. when you spend money you haven't got or that you cant afford you just feel guilty that's why putting it in a bank will take the guilt away and your feel proud that you didn't waste it, then you can save for some thing you really want like a holiday or a new telly. xx |
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John?
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Shopping can become addictive. Find a good hypnotherapist and he/she will help you, and that will be money well spent. |
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Happy Murcia
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Well done for getting out of debt, don`t let that urge to spend againget the better of you, try shopping in charity shops, lots of bargains..... |
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browneyedgirl623
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There has been some success treating a spending compulsion with psych meds. You could talk with a counselor about this option, and if it sounds like something you want to try he/she would refer you to a psychiatrist.
Other, less drastic, suggestion: do your shopping at flea markets, goodwill, thrift stores, etc. visit tag sales, auctions and craigslist.
there are tremendous bargains to be had at a tiny fraction of retail. I do this now instead of hitting the mall when I have an urge for retail therapy, and I take tremendous pride at the bargains I find! |
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Peeled Onion Heads
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Try this website he is awesome!
http://www.daveramsey.com/ |
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gaz
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fcuk it, get ya credit card out, you got about two and a half grand atleast, just think of all the new clothes and stuff u can have. or book a flight to mexico, come and see me and buy me some beers!!! and i need some new trainers as well, and maybe a watch |
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